Thread: MR2Phil -vs- Egg

Hey,

In the thread about how Egg are cancelling cards I mentioned that I thought I would go after them now that mine has been cancelled to get my charges back.

Do people recommend that I CCA them first or fire off the SAR first?

Cheers

8-)

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The pros and cons of reclaiming charges via Egg's 3 choices of charge itemising have been discussed in TheDean Vs Egg .

Nothing to stop you requesting CCA separately and simultaneously.

Originally Posted by Mistermind

Egg's debit interest rate fluctuated from month to month. The actual interest rate prevailing in the month when unlawful Overlimit and Late Payment charges accrued monthly debit interest will be printed on the Egg statement for that month. These copy statements can be obtained from Egg fairly quickly for £5 (option 2).

Ok, thanks, I've had a read of that and taken the above. You say they can be obtained quickly...how do I go about that if it's different to the SAR?

Many thanks

Egg does NOT obstruct statement requests, but the full one-inch pile of paper for option 3 does take manual collation time so is subject to considerable delay. If you send a formal SAR template letter they will as a matter of course reply offering you a choice of 3 options. As you already know these options you could save an unnecessary exchange of letters by writing a plain letter to them, naming the option you want.

Or shortcircuit the time spent writing of a letter then waiting for it to be passed from desk to desk, by using Egg securemail or by phoning, asking them to debit £5 or £10 to your card.

Sometimes Egg requires a photocopy of ID (passport, drivers licence) and original utility bill to prove you are who you are. Not always.

Ok, thanks. I have just sent the SecureMail requesting just that. Here's hoping they come back quick.

Ok, so it's been 38 days since I requested my information and, so far, nothing. I know they've been looking into it because they phoned me up to query my address (which they had right) as I've moved recently. I sent an Egg SecureMail on Thursday to which I got a reply to and then, this morning, I sent another reminding them that they had two days to go...if they were looking into my address about 3 weeks ago, surely they should have got the stuff to me by now...

Morning,

Only just got round to totalling up charges etc and there has only been around £400 worth...a little disappointing! But...I've been paying "Card Repayment Protector" for the first couple of years before I realised and cancelled it. Can I claim that back?

Wow, Egg received my initial request for payment and replied with their bog-off letter in one day! Smart work! Mind you, it's not going to stop me LBAing them today! In the letter I asked that the outstanding amount simply be taken off the balance of the card but they didn't even go for that...thought I was making it easy for them!

Yay! Welcome aboard (again!)

Let's hope this one is sorted quickly too! Egg are quick enough to phone up the moment you go 1p over limit...but Barclaycard have put them to shame in the settling stakes!

Originally Posted by MR2Phil

I've been paying "Card Repayment Protector" for the first couple of years before I realised and cancelled it. Can I claim that back?

Mrs P,

The devil is in the detail. See below 4 PPI reclaim wins for encouragement, and 1 defeat as warning. Good luck and good cheer.


5 PPI battles won and lost:

34 weeks - 25 APR 2007 - won PPI before court -Annalh v Egg/DLA/Eversheds ** Judgement given by court **

16 weeks - 19 JUN 2007 - won PPI in court - Empire strikes back v Egg Card Repayment Insurance.

08 weeks - 01 AUG 2007 - won PPI before court - Wednesday 1867 poss vs Egg ( 1 2)

49 weeks - 22 AUG 2007 - JULI99 - lost PPI in court - Scrambled Egg (1 2)

35 weeks - 07 JAN 2008 - phatram - WON PPI, case stayed, stay lifted, Egg settled in full before court (was self-employed and never eligible) - http://www.consumeractiongroup.c o.uk/forum/payment-protection-insurance-ppi/87077-egg-credit-card-ppi-3.html#post1314773

Thanks. To be honest, I was rather hoping to use it as a leverage tool to help them come to a sensible decision re paying me back! Just the charges would be fine for now!

Okaaaaay....help required, guys! Just got a letter from Egg offering £48 of the £360 requested! This is the difference between £16 and £12, blah blah blah...they have kindly given me a whole 14 days to decide whether to accept. Er...I don't need 14 seconds you muppets!

What now? Egg claim to be different to everyone else, can I really go the whole hog on them and win? It's not even as though I'm asking for much money! Only what they owe and no interest (at this stage).

Eggployees are under orders to respond in a set mode, going through the motions without believing they will stick. From the claimant side there are set responses using proven template letters if you wish an express settlement repaying 100% involving a letter in plain English, or alternatively travel the route filling in court paperwork.

The entire dance is choreographed, 88 successes and still working for the moment. See V-E Day thread in Egg stickies section, index of latest winners at the top of page 5. Good luck.